DCU Visa Platinum® Secured Credit Card

in Personal Credit Cards

Unaffiliated Visit Site

DCU Visa Platinum® Secured Credit Card


in Personal Credit Cards

SuperMoney Net Recommendation Score +100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend DCU Visa Platinum® Secured Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend


The DCU Visa Platinum® secured credit card is a rare gem in the world of credit cards. It has relatively low rates and no annual fee, which is extremely unusual for a secured card. It provides valuable travel and warranty perks, gives you rewards points for every dollar you spend, and is available for people with bad credit. To top it all, it has the potential for high credit limits, which is huge if you're trying to repair your credit.

The only drawbacks of the DCU Visa Platinum® are that your credit limit is only as large as your security deposit and that you may have to jump through one or two hoops before you can join DCU.

Low Rates

The DCU Visa Platinum® Secured has a flat rate of 13% APR for purchases, balance transfers and cash advances. That is well below the national average for secured cards. The card does have an 18% APR penalty rate if you make a late payment. The penalty APR will apply until you make six consecutive minimum (or higher) payments on time.


DCU's Visa Platinum® is one of the best secured credit cards in the market because it offers high-end features to high and low risk clients without charging any fees. And I mean no fees. It has no annual fee, no cash advance fees, and no balance transfer fees. Compare that to top-of-the-line credit cards, such as the Chase Sapphire Preferred Card, which charges a $10 or 5% fee (whichever is highest) for cash advances. A $0 fee on balance transfers and a 13% APR make the DCU Visa Platinum® a great choice if you have a balance on your credit card but you don't have the credit to qualify for a credit card with a 12-month 0% APR deal.

Travel Perks

The travel benefits of the DCU Visa Platinum® are unheard of in secured card with no annual fee. They include $500,000 in free travel insurance, when you buy your tickets with the card, and you're guaranteed your hotel room stays available even if you're late. You also get complimentary collision damage or theft insurance on car rentals and extended warranty on most purchases.

Borrow Against Savings

The biggest drawback of the DCU Visa Platinum® is also one if its best features: your secured deposit determines your credit limit. The minimum security deposit is $500. So if you don't have $500 lying around, this is not the card for you.

However, if you have access to cash, you can qualify for a large credit limit, even if have terrible credit. Make a $10,000 secured deposit and you get a $10,000 credit limit. Available credit determines 30% of your FICO score, so if you have access to cash you can repair your credit pronto with this card.


DCU is a credit union so you must meet its membership requirements. The good news is that DCU's requirements are easy to meet. Even if you don't live in Massachusetts or Georgia or don't work for a participating employer (there are hundreds), you can still qualify by making a one-time donation to one of their participating charities. The cheapest option is to donate $10 to Reach Out for Schools.


The DCU Platinum credit cards is probably the best secured credit card in the business. If you want a credit card with no fees, valuable benefits, a rewards program, and have $500, get a DCU Platinum secured credit card. If you don't have $500, do yourself a favor and save $500 before settling for a high-APR, high annual-fee card.

SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Returned Payment Fee $0
Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Late Payment Penalty $35
Minimum Age 18
Co-signing Allowed  
Credit Score Range 300 - 640
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Travel Insurance  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Purchase APR (Variable APR) Starting at 13%
Cash Advance APR (Variable APR) Starting at 13%
Balance Computation average daily balance (including new purchases)
Penalty APR 18%
Balance Transfer APR (Variable APR) Starting at 13%



Would you recommend DCU Visa Platinum® Secured Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards